Its all about what amount of risk you are confterble with. Me , i like my dividand stocks. Most of mine are getting about 6 percent. Keep rolling over the dividands into the same stock and get a bigger dividand next year. No taxes untill you withdraw or take $$$. Yes its more conservative. But it can work out long term. I figure , if i play my cards the way i have, when i retire i will be getting minimum 3500 ( baised on like a 4 percent return) a month from my dividands at retirement without touching any assets. Not rich but not poor. You can do what you want, its your $$$. Me i think I'll stick to slow and steady. Not everyone invests the same, nor does everyone need the same. I have lost plenty of $$$ on sure things, waye of the future stocks etc. I have also gained on some. Its still a gamble, how much depends on what you are willing to risk.